Interest and time calculator.



-W. H. TILLY.

INTEREST AND TIME CALCULAIOR. APPLICATiON FILED NOV. 1. 1913.

1,169,300. Patented Jan. 25, 19.16.

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INTEREST AND TIME CALCULATOR.

APPLICATION FILED NOV-1,1913.

Patented Jan. 25, 1916.

2 SHEETS-SHEET 2.

l 000I9 000I6 000I4 00005 2 00058 0005?) 00027 00005 I) 00058 00049 00O4l 0000B ANUARY I I800 JANUARY 2 l80| JANUARY 5 I802 JANUARY 4 I805 JANUARY 5 I604 OCTOBER I2 2064 5466 04685 05904 0078| OCTOBER I5 2085 54-85 0470i 059l8 00784 OCTOBER 14 2086 5504 047I8 05952 00786 OCTOBER I5 2087 5525 04754 05945 00789 OCTOBER I6 2083 5542 O475l 05959 00795 m W H m. m m w h M 0% THE COLUMBIA PLANOORAPH C0,, WASHINGTON, n. z.

WILLIAM H. TILLY, or BROOKLYN, NEW YORK.

INTEREST AND TIME CALCULATOR.

Specification of Letters Patent.

Patented Jan. 25, 1916.

Application filed November 1, 1913. Serial No. 798,612.

' ToaZZ whom it may concern:

Be it known that 1, WILLIAM H. TILLY, a

citizen of the United States, and residing at Brooklyn, in the county of Kings and State of New York, have invented certain new and useful Improvements in Interest and Time Calculators, of which the following is a specification, such as will enable those skilled in the art to which it appertains to make and use the same.

I This invention relates to machines for calculating interests, and also for calculating or determining periods of time on which interest is to be calculated, or for any other purpose; and the object thereof is to provide an improved machine of this class which is comparatively simple in construction, efficient and reliable in operation, and which may be easily manipulated for the purpose or purposes specified;v and with-this and other objects in view the invention consists in a device or machine of the class specified constructed as hereinafter described and claimed.-

The invention is fully disclosed in the following specification of which the accompanying drawings form a part, in which the separate parts of my improvement are designated by suitable reference character in each of the views, and in which Figure 1 is a plan or front view of a machine involving my invention Fig. 2 a longitudinal horizontal section on the line 22 of Fig. 3; Fig. 3 a transverse vertical section on the line 33 of Fig. 2; Fig. 4 a transverse vertical section on the line t-4 of Fig. 2, and on a reduced scale Fig. 5 a partial section on the line 5-5 of Fig. 3 and showing parts shown in Fig. 2, but on an enlarged scale Fig. 6 a face view of two sheets of flexible material which I employ, one of which is a time sheet and the other a time and interest sheet, the parts of said sheets shown being the beginning or ,7

front end portions thereof Fig. 7 a view similar to Fig. 6 but showing different parts of said sheets Fig. 8 a detail View of a part of the construction shown in Fig. 5, and looking in the direction of the arrow 8, and Fig. 9 a view similar to Fig. 1 but showing only a part of the front plate of the machine, and showing the same on an en.- larged scale and'with parts in a different position.

In the practice of my invention, asshown in the drawings, I provide an oblong box or case a comprising a top or front a a bottom or back a ends a and a and opposite sides a and of. In the top or front a is a longitudinal slot or opening a covered by a metallic strip 6 having a plurality of longitudinal openings 6 b b b b b, b and 6 covered by transparent panels 79 and the longitudinal openings 6 Z2 b and b are provided with shutters 6 having thumb and finger pieces I) which pass up through slots 79 in the top or front a and by means of which said shutters may be manipulated, and mounted on the under or inner side of the top or front a and on the opposite sides of the longitudinal slot or opening a are two guide rollers 0.

Mounted centrally and longitudinally in the back part of the box or case a is a shaft d the right end portion (55 of which is angular incross section and passes through a rotary bearing d in the end a of the box or case a and is provided in the form of construction shown with a crank'cl. The shaft (5 also passes through a support 61 mounted in the back part of the box or case a and nearer the left than the right end thereof, and mounted on said shaft between the support d and the end a. of the box or case is a spool 03 provided at its inner end with an integral head 0Z and at its outer end with a gear 03 which serves as one of the heads of said spool, and the spool 03 with its gear head (i is connected with and rotates with the shaft (5. Loosely mounted on the shaft d and an outer member 6 preferably of fibrous material, and between the gear head e of the spool e and the end a of the box or case a is a transverse space a. The gear head 6 of the spool e is provided on its outer side with a concentric flange f having internalteeth, or the flange f may be described as an internal gear, and slidably' mounted on the part d of the shaft cl is a gear f having a flange f and between which and the bear- 7 and a flexible shaft f is passed loosely through the part d of the shaft (Z, and connected with said pin, and the outer end of said shaft is provided with a handle 7 adapted to be moved into and through a lock slot f in the crank cl" for holding the gear 7 out of engagement with the internal gear f, as shown in Fig. 5.

In the front part of the box or case a is a supporting plate 9 placed in the same transverse plane as the support (Z and secured to the bottom of the box or case, and between the support 9 and the end a of said box or case a is mounted a spool it having an integral head 71 at its inner end and a gear head 71 at its outer end, and between the gear head 713 of the spool h and the gear head (Z of the spool d is mounted a pinion h which meshes with both of said gear heads, the pinion it being mounted on a pin secured in the end a of the box or case. The spool 71 is mounted on a shaft 7& the inner end of which has a bearing in the support 9 and the outer end of which passes through the end a of the box or case and is provided with a handle it.

Mounted between the support 9 and the end (1. of the box or case is a spool 2' of the same length as the spool e and provided at its inner end with an integral head i and at its outer end with a gear head i and between the gear head 6" of the spool e and the gear head i of the spool 71 is a pinion i which meshes with both of said gear heads and is mounted on a support i The spool i is mounted on the shaft 71 the inner end of which has a bearing in the support 9 and the outer end of which passes through the end a of the box or case a and is provided with a handle 77 and mounted on the shaft 2' between the head a of the box or case a and the gear head 2' of the spool 71 is a sleeve i The spool it rotates only with its shaft h, or said shaft forms a part of said spool, and the spool a rotates only with its shaft 2', or said shaft forms a part of said spool.

Mounted between the integral head 2' of the spool i and the support 9 is a spiral spring j, one end of which is secured to the spool i at j and the other end of which is secured to the bottom of the box or case a, or to the support 9 at 7' and mounted between the integral head h of the spool 72, and the support 9 is a spring is similar in all respects to the spring j, and mounted in the same manner.

Vound on the spool i is a flexible sheet on which is passed over the guide rollers c, and connected with the spool e. The sheet m, or the parts thereof, is shown in Figs. 6 and 7, and a narrower, but otherwise similar sheet n is wound on the spool h, and assed over the guide rollers c and connectec with the spool d. The sheets m and n are preferably composed of linen, or other similar fabric covered with paper, or a strip of paper reinforced in any suitable manner may be employed, and the sheet m is provided on the left edge portion thereof with a row of numerals m running fro-m 1 to 865, beginning with Zero, and representing all the days of a year, and said sheet mis also provided with four longitudinally arranged columns of figures m, m", m and m, the column m being adjacent to the column 722?, and the sheet a is provided on the left side portion thereof with two columns a? and n representing the month and the days of a month for a year, and at the right of which is a column or representing 365 years beginning with 1800.

Pivotally mounted in the wall a of the box or case a adjacent to, or in line with the gears 71. and 2' are pawls 0, the noses 0 of which are normally held in engagement with the teeth of said gears by springs p, and said pawls are provided with downwardly directed brake members 0 which are adapted to bear on the face of said gear, and said pawls are also provided with handle members 0 which project through the part a of the box or case and are adapted to be operated by hand, as hereinafter described, and although 1 stated that the members 0 of the pawls 0 are adapted to bear on the face of the gears h and 2 it will be understood that the same might bear on the drum or flange connected with said gears, the same being not shown.

The top or front a of the box or case a is provided adjacent to the openings 5 b and b with the words Month, Day, and Year respectively, and the openings 6 to Z2 inclusive, with the words and numerals Total days, and 765 and 1 respectively, and over the numerals 7(35 and 1 are the words Rate per cent, and it will be understood that the foregoing characters designate or point out the meaning thereof, and in Fig. l of the drawings,

1 have shown the first line of characters on the sheets 'm, and n appearing in the openings in the plate 6, but it must be understood that, the normal position of the sheets m and n on the spools is the black line or lines on which the character 0 z ppears.

The numerals in the columns on, m, m and m of the sheet mare the multipliers used in calculating the different amounts of interest on a given sum for a given time.

In the operation of this device, from the position shown in Fig. 1, or in calculating the number of days from Jan. 1, 1913, to October 14, 1913, for example, the gear f and its connected parts being in the position shown in dotted lines in Fig. 5, and in full lines in Fig. 2, the crank (Z will be manipulated to force the gear 7 into engagement with the gear 7", and to turn the spool 0, until the characters October 14,

' Fig. 1.

' 2086 and 287, 055041, #04718, 03932,

' follows, it being understood that the sheets m and n are again in the position shown in The gear f will first be thrown into the position shown infull lines in Fig. 5, by means of the head f of the flexible shaft j". The crank d is then again manipulated to turn the spools d and h until the characters March 1, 1860 appear in their corresponding openings 72 b and b 7 and the gear f and its connected parts are again thrown into the dotted line position shown in Fig. 5, or the full line pos1t10n shown in Fig.2, after which the crank (i is again manipulated to rotate all, or both sets of the spools until the characters October 1a, 2086, and 227, 0135a, 03732, 03110, and it will be seen that the answer to the above will be 227 days, and in the operation of returning the sheets m and n, to their normal position, or to. any desired position, the pawls 0, or the handle members 0* thereof, are forced downwardly, which operation disengages the noses 0 thereof and engages the brake members 0 and it will be understood that the unwinding of the sheets on each pair of spools may be operated separately, and the springs j and 7c are the means for returning the sheets to their normal position.

Fig. 4: of the drawings shows one of the above mentioned springs, and it will be seen that the winding of the sheets 7% and n on the spools d and 6 will wind the springs j and up, and when the pawls 0 are disengaged from the gears 71, and '5 the said springs will unwind, and by means of the brake members 0 I prevent the hasty unwinding of the sheets m and n, and should the said sheets not be fully unwound by the said springs, the same can be done, by means of the handles h" and f on the shafts h and 2' In order to find the multiplier for calculating the interest of a given sum for a given time, or from the days between two given dates, the spools and their connectedparts are given the same operation hereinbefore described, and after the number of days have been found between the two given dates, say, for example, from January 1, 1913 to October 14, 1913, or' 287 days, the same is multiplied by the figure appearing in the column under the desired interest, or say six per cent, and in order to illustrate the above, suppose that the interest was to be found on $100, from J an. 1, 1913, to October 14, 1913, or 287 days, at six per cent. I

would, as will be seen in Fig. 7, multiply $100 by .04718, which would give me $4.718,

the interest on $100, for 287 days at six per cent, and it will be further understood that the'interest at any rate per cent, on any sum, and for any length of-time, can be calculated very easily by means of my detween two given dates. In short, I can cal-' culate thev number 'of years and days, or days only, between two given dates, and I can also determine the multiplier to be used for calculating the interest on a given sum for the time between two given dates by my device.

It will be understood that although I have shown the figures in the columns m m, m and m as based on the interest for $1, the same may be based on the interest for $5, $10, and $100, or any other desired sum, in which case, the said figures will be corre spondingly changed.

In Fig. 9 of the drawings, I have shown the use of the shutters 12 and it will be seen that by means of the same, when it is de sired to determine the multiplier to be used in calculating a given interest of say six per cent, the shutters in the openings 6 b and b will be closed, and this will prevent or avoid the mistakes which might occur had not the said shutters been employed, or, in other words, it avoids the confusion of said figures, and the value of these shutters will be understood or appreciated in calculating the interest for a number of sums at the said rate of six per cent., and it will be also understood that my invention is not limited to the means for engaging and disengaging the separate pairs of spools, or to the exact details of the construction herein shown and described, and changes therein and modifications thereof may be made, within the scope of the appended claims, without departing from the spirit of my invention or sacrificing its advantages. The box or case a is shown as rectangular in cross section, but the said box or case may be of any preferred form, and the shape thereof in cross section and the arrangement of the operative parts therein may be such that the top or front a may have a downwardly and forwardly inclined position so as to facilitate the operation of the machine and accommodate the operator when the said machine is placed on the table or other support.

Having fully described my invention what I claim as new and desire to secure by Letters Patent is 1. In a computing machine having a spring rewound gear, a combined lock and brake device consisting of a pivotally mounted pawl, a spring for normally retaining said pawl in engagement with said gear, a lever integral with said pawl for disengaging the same from said gear to allow its spring to rewind the same, and a brake integral With said pawl and adapted to bear upon the periphery of said gear when the pawl is disengaged for regulating the speed at which the gear is revolved.

2. In a computing machine having a spool loosely mounted on a slotted shaft, an internal gear mounted on said spool, a gear movable longitudinally of and rotatable with said shaft and adapted to engage said internal gear, a pin slidably mounted in the slot of the shaft and connected to said shaft gear, a flexible shaft connected to said pin and extending through an aperture in said shaft and a handle provided upon the outer end of said flexible shaft, said shaft being also provided with a lock slot in which said handle is adapted to be moved.

In testimony that I claim the foregoing as my invention I have signed my name in presence of the subscribing witnesses this 31st day of October 1913.

lVILLIAM H. TILLY. \Vitnesses C. MULREANY, S. ANDREWS.

Copies of this patent may be obtained for five cents each, by addressing the Commissioner of Patents Washington, D. C." 

